Ixonia Bank in Alabama vs the state
3.7%Denial rate-16.17 pts vs state
5.2%Decision denial rate-19.83 pts vs state
66.9%Origination rate+11.48 pts vs state
6.13%Median rate-0.38 pts vs state
0.52Rate spread (pts)+0.23 pts vs state
$88kMedian applicant income
109Loans originated
6Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 83 | 46 | 13.3% | 6.93% | #231 |
| 2024 | 79 | 38 | 19.0% | 6.88% | #246 |
| 2025 | 163 | 109 | 3.7% | 6.13% | #170 |
What Ixonia Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Ixonia Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 54 | 38 | 0 | 0.0% |
| Limestone County | 17 | 9 | 0 | 0.0% |
| Etowah County | 17 | 10 | 2 | 11.8% |
| Morgan County | 9 | 6 | 0 | 0.0% |
| Mobile County | 5 | 2 | 1 | 20.0% |
| St. Clair County | 5 | 3 | 2 | 40.0% |
| DeKalb County | 4 | 3 | 0 | 0.0% |
| Jackson County | 4 | 2 | 0 | 0.0% |
| Walker County | 3 | 2 | 0 | 0.0% |
| Escambia County | 3 | 1 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 163 applications in 2025, of which 109 were originated and 6 denied.
3.7% of all applications, or 5.2% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Ixonia Bank originated in Alabama in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are Ixonia Bank's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology